# CHAFFEY
Upland, CA · NCUA charter 16030 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/chaffey-16030

Who the members are: federal charter, multiple common bond, organized 1964, low-income designated. 11,786 members of 2,500,000 potential (0.5% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 74.

**Verdict on the desk:** this could be *ordinary*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $229.1M |
| Members | 11,786 (-1.0% YoY) |
| Full-time staff | 42 |
| Net worth | $17.9M |
| Net worth ratio | 7.8% (p2 of band) |
| ROA (annualized) | -0.11% (p5 of band) |
| Total delinquency | 0.31% (p23 of band) |
| Net charge-offs (annualized) | -0.01% (p2 of band) |
| Loans / shares | 59% (p19 of band) |
| Cash / assets | 9.8% |
| Borrowings / assets | 4.37% |
| Net interest margin | 2.98% (p18 of band) |
| Operating expense / assets | 3.46% (p40 of band) |
| Vehicles % of loans | 24% (p30 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 9% (p27 of band) |
| Vehicle delinquency | 1.02% (p78 of band) |
| Vehicle NCO | 0.05% (p10 of band) |
| Repossessed % of vehicle book | 0.53% (p96 of band) |
| Real estate % of loans | 53% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 44% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 29% |
| Average share balance | $9,537 |
| Participations bought / yr | $5.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $10.1M |
| Loans outstanding per 100 members | 74% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $13,663 |
| Loans granted, annualized | $18.3M |

## Participation posture (from the same filings)

Bought $5.0M and sold $0 in the latest annualized quarter; $10.1M outstanding purchased (56.7% of net worth), $3.1M sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares 0.3% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **repo signal** (`aq_repo`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 | delinquency rising | 3rd-party paper>100% NW |
| 2017-06 | 2 | repo signal | delinquency rising |
| 2017-09 | 1 |  | repo signal |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | net worth falling |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | net worth falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 2 | delinquency rising |  |
| 2019-12 | 1 |  | thin capital |
| 2020-03 | 2 | thin capital |  |
| 2020-06 | 2 | net worth falling | delinquency rising |
| 2020-09 | 3 | margin squeeze |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 4 | delinquency rising |  |
| 2021-09 | 2 |  | net worth falling, margin squeeze |
| 2021-12 | 1 |  | delinquency rising |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | assets shrinking |  |
| 2022-12 | 3 | delinquency rising |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 2 |  | delinquency rising |
| 2023-09 | 2 | delinquency rising | assets shrinking |
| 2023-12 | 3 | net worth falling, repo signal | delinquency rising |
| 2024-03 | 5 | losing money, delinquency rising, leaning on borrowings | repo signal |
| 2024-06 | 4 |  | net worth falling |
| 2024-09 | 3 |  | losing money |
| 2024-12 | 4 | losing money |  |
| 2025-03 | 5 | net worth falling |  |
| 2025-06 | 5 |  |  |
| 2025-09 | 4 |  | net worth falling |
| 2025-12 | 3 |  | delinquency rising |
| 2026-03 | 4 | repo signal, assets shrinking | leaning on borrowings |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-10-10 [Credit unions will celebrate International Credit Union Day on October 16 - CUInsight](https://news.google.com/rss/articles/CBMitAFBVV95cUxPckt0VllqUzd1TlFFRzlZLU9ZZDFQQTRKRFJPMDJ5RENVaHF1X1dIelgzdlJLeFJ6YTk5Vjd2a3dxUDdydGZfODFKQl9IOXhsT2NWcVNuV09zUlJGbzRYc2Y3RmtMOUc2aVRsbDFoSnhWRDdHZ2IxRVJiREJONXh0RGVKSFJfU0dzbmt0ckVVTTNTOTlfTzdORzh2Z0RtMzlmdDFDaUIydFZqT3FHbGpWRUw5bzM?oc=5) · CUInsight
- 2022-03-02 [Chaffey College dean’s family is full of Black history firsts - Fontana Herald News](https://news.google.com/rss/articles/CBMi5AFBVV95cUxQdV9qSkZEWU1WaFUtdTVCOVl1SmVmdXA5aGg5QlY3aDlMbDQwS3FoNzMzRkdFbG5vRXduZlp5Y3NhT0E0enR1ZU4yZl9IclVhdkRaaVd3UVRBYWJKdWpvVnRFNWc1OVUtWDdOTEx4dEJsRTNmTGszTjJWRmdMbXpPT2xqYUNhQUhEd1RmVXdLVXpGSFBuSHVlcVRTX01lRGphY0tkZjBFT0w4Zk5TWm5MTG1ZdS1yZlkzV2hrWkh4S2xSLWxVQ0xZSHhnMDlBUU5RdHFRQzEteUUxOE95MWRpc3NEdFc?oc=5) · Fontana Herald News
- 2021-05-22 [Chaffey high school district campus officers ‘sweat for scholarships’ in agility contest - Daily Bulletin](https://news.google.com/rss/articles/CBMixwFBVV95cUxOWmJya3FjLXdpN2lkOVFqdHNmTkRKQUZFdzBRRllUT2k0OHkzdVVnSUZYS09MS3FJSnplcFB6ZlRuMVYzdXpoY0dDcHhqcktaTXV0dFJJT3FKVURiZ1VOSVhWNjgyWUdRVldyZWR6QWN5QjB6a3FIbEphMzNnWE9sUEZpeXNtM0w4dVV6NXBOdFM5eDJYYWNDTXQ2VVlkbVVvMllCaXQ2T3J3ZVFsWmNweENwRmxKMTlFVm9Oem5fQld6bHRSVnc0?oc=5) · Daily Bulletin
- 2023-06-18 [Here are San Bernardino County’s Classified School Employees of the Year - San Bernardino Sun](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQVW9SZHJYZ2dRV3dCekdUNUpSelExSWpUWTdKb2ZQUlNiemQxQkstdjNqU1pTeHkxZGhySV9GZWF1ZGtxekswak9vU2puNFd3NmhlbzVTc01tODBfX2NObFBXUnJSR3U2V3g1SWNFaWNWY211ZXBDUnpXVFFEejBwMl9HTzQ2VjhCSmV2T0N1aGFNLTZtTW5vQ1FqejJzSExQdW9VXzVRajk?oc=5) · San Bernardino Sun
- 2024-06-01 [JASON LARRY VAUGHN - Orange County Register](https://news.google.com/rss/articles/CBMibEFVX3lxTE5zWVNpTTZDRDRmMzZfa2VKU2lLNHc4QVVDUWQzM0VmbWNDYlNHN3Zhb2xTNkVYODBEMUZibndrYTVjSUxYZm1iOHVrNC1qcEE5N3M2b0N2bzUzY1VvYWRVUTBUMGxQRjhxcXdidw?oc=5) · Orange County Register
- 2012-10-20 [WVUSD Recognizes Teachers of the Year - Patch](https://news.google.com/rss/articles/CBMijAFBVV95cUxQX2JiNzhzU0M4UGFmeUYzRjc3OXFJQWRGbzE5NXY3MVJlMFdJWE9za19WcUI1bkViLTR5OERUVjdHay1EUGdZUWpZUDBXZWJGdEJUcTB0emVMM2F1ZFR3cHdpTGlSZXowTUlhRmtQMUtoSDVZM2RTeDRrRDBKLW5pZXBaOW9zemdfTnpyTw?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=16030 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/30.json (key "16030", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=16030
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide